title: LT — Scheme & Network Compliance (W4) | World Payments Monitor canonical: https://payments.gi/jurisdictions/lithuania/w4/ ### W4 Scheme & Network Compliance 1 gap Probable re-verified 2026-10-18 · changed 2026-06-27 Card-scheme compliance follows the EU Interchange Fee Regulation (EU) 2015/751, capping interchange at 0.2% for debit and 0.3% for consumer credit card transactions; Lithuania is among Member States not permitting surcharging on fee-regulated cards. Visa/Mastercard publish Lithuania intra-location interchange schedules; PCI DSS and scheme rulebooks apply. Instant rails are mandated by the EU Instant Payments Regulation (EU) 2024/886, with Verification of Payee in force. Open gap — wpm-int-1 No LT-specific scheme/network compliance (W4), litigation (W7), merchant-acquiring (W8), consumer-protection/APP-fraud (W10), or correspondent-banking (W12) development identified this cycle._Private-company and emerging-rail signals under-indexed; throughput/consolidation metrics need primary-source anchoring._ Standing sub-brief · as of 27 June 2026 251 words · last cycle 2026-06-27 #### Scheme & Network Compliance Card-scheme economics in Lithuania are fixed by the directly applicable Interchange Fee Regulation, Regulation (EU) 2015/751, which caps per-transaction interchange at no more than 0.2% for debit and 0.3% for consumer credit cards, prohibits territorial restrictions, and restricts the Honour-All-Cards rule. Lithuania does not permit surcharging on fee-regulated cards, a position corroborated by Tier-3 legal analysis listing Lithuania among the non-surcharging Member States. Together the caps and the no-surcharge regime fix acquirer and merchant economics for card flows in the jurisdiction and frame the competitive pricing environment for both bank and non-bank acquirers. On the account-to-account side, SEPA Instant became mandatory across the EU from 9 October 2025 under the Instant Payments Regulation (EU) 2024/886. CENTROlink participants in Lithuania were already live ahead of the mandate, and Verification of Payee controls have been introduced. This is treated here as a dashboard-tier development: a dated, in-force change rather than a standalone explainer. The combination of mandatory SEPA Instant and VoP reshapes A2A payment user experience and fraud controls, with Lithuania ahead of the curve through its early CENTROlink instant deployment. #### Outlook The W4 trajectory is stable on the card side and escalating on the instant-payments side. The IFR regime is settled and directly applicable. The forward interest concentrates on the operational rollout of VoP and IBAN-name-check mechanics, which connect to the consumer-protection horizon under PSD3/PSR captured in W10. Scheme-specific Lithuanian interchange schedules and SCA/3DS posture remain only lightly evidenced and are flagged as a gap for future cycles. no periodic updates on record for this sub-brief ** Sources and findings (4 unique sources · R-3/R-4)** 1. [W4-E1] T1 Derived: Confirmed [in_force https://eur-lex.europa.eu/eli/reg/2015/751/oj/eng](https://eur-lex.europa.eu/eli/reg/2015/751/oj/eng) re-verified 2026-06-27 Regulation (EU) 2015/751 caps per-transaction interchange at no more than 0.2% of value for debit and 0.3% for credit card transactions, prohibits territorial restrictions in licensing/scheme rules, restricts the Honour-All-Cards rule, and applies directly in Lithuania as an EU Member State. 2. [W4-E2] T3 Derived: Probable [in_force https://www.swlaw.edu/sites/default/files/2025-08/Article%205%20-%20Vihuto.pdf](https://www.swlaw.edu/sites/default/files/2025-08/Article%205%20-%20Vihuto.pdf) re-verified 2026-06-27 Lithuania is identified among EU Member States (alongside Belgium, Bulgaria, Croatia, France, Hungary, Latvia, Malta, Portugal, Spain and Romania) that do not allow surcharging on fee-regulated cards. 3. [W4-E3] T2 Derived: Confirmed [in_force https://www.mastercard.com/europe/en/business/support/merchant-interchange-rates.html](https://www.mastercard.com/europe/en/business/support/merchant-interchange-rates.html) re-verified 2026-06-27 Mastercard publishes Lithuania intra-location Mastercard and Maestro POS interchange fee schedules as part of its EEA member-state rate disclosures, reserving the right to change rates. 4. [W4-E4] T3 Derived: Probable [in_force https://crassula.io/guides/licenses/lithuania-pi/](https://crassula.io/guides/licenses/lithuania-pi/) re-verified 2026-06-27 SEPA Instant became mandatory EU-wide from 9 October 2025 under Regulation (EU) 2024/886; CENTROlink participants in Lithuania were already live, and Verification of Payee (VoP) controls have been introduced.